Side-by-side · Q2 2026 data
Service 1 Federal Credit Union vs Route 31 Federal Credit Union
Metric by metric
| Measure | Service 1 Federal Credit Union | Route 31 Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 86 | 86 |
| Earnings | 83 (stronger) | 48 |
| Funding & liquidity | 73 | 91 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 94th | 76th |
| Total assets | $198.5M | $104.6M |
| Deposits / shares | $160.8M | $89.7M |
| Capital ratio | 18.56% (stronger) | 13.21% |
| Problem loans | 0.42% | 0.41% (stronger) |
| Net charge-offs | 0.52% | 0.40% (stronger) |
| Return on assets | 1.58% (stronger) | 0.70% |
| Loans ÷ deposits | 87.3% | 68.8% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 5.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.4% |
Service 1 Federal Credit Union has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Service 1 Federal Credit Union leads on 4 and Route 31 Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.